to when it comes to the insurance process. >> you have to keep their receipts because it will be reimbursed. >> in addition to keeping receipts, take pictures of the damage to help the process move faster. did not make permanent repairs until you file a claim or talk to your agent. until you get the ok, you do not know what can be rereimbursed. in most states, the deductibles are based on the percentage of insured value of the home, between 1% and 5%. >> there are great to be a lot of surprise homeowners and they find out their deductible is $5,000 or $8,000 instead of 500 or $1,000. i hope it covers everything. >> it could take up to three days before an agent can estimate the damage.